Fixed Deposit interest rate in Nepal (Updated 2026) Most commercial banks currently offer FD interest rates ranging approximately from 2.8% to 5.8% p.a. for individual customers, depending on tenure. Short-term FDs (3–6 months) start around 2.8%–3.3%, 1–2 year FDs around 3.5%–4.5%, and longer and higher FDs (above 5 years) may go up to ~5.8% or more at select banks. Rates depend upon tenure, and deposit type, and are subject to change.
Fixed deposits (FDs) remain one of the most reliable and secure investment options in Nepal. Banks and financial institutions revise FD interest rates regularly, depending on market conditions and Nepal Rastra Bank (NRB) guidelines.
Here, you can explore the best updated fixed deposit interest rate in Nepal for 2026, with comparisons across commercial banks, development banks, and finance companies.
For the exact Intersection you can check on the following links:
Fixed Deposit
Sindhu Bikash Bank Limited
Bankrate Nepal Review
1.5
Interest Rate(P.A)As of January 10
5.60%4.70%3.90%
Minimum Balance
Rs. 0Rs. 0Rs. 0
Tenure
1 year6 months3 months
About Sindhu Bikash Bank
SINDHU BIKASH BANK is the first development bank, opened in Sindhupalchok district of Nepal and started operation on Bhadra 24, 2067 i.e. September 9, 2010. This bank is licensed by Nepal Rastra Bank (Central Bank of Nepal) & running under the Company Act & Bank & Financial Institution Act of Nepal. Sindhupalchok Chamber of Commerce & Industry of Nepal has taken the initiative to open the bank.
The bank was established with 184 nos. of valued promoter shareholders and the members of promoter shareholders increased after the trading of Shares. The objective of the founder was essential to promote banking habits & entrepreneurship among the community of Sindhupalchok, Kavrepalanchok, Dolakha, Makwanpur and Chitwan districts of Nepal. The bank has created a solid customer base in this short period.
This bank has built a network of 26 branches & 1 limited banking outlet till April 2024 providing services to 140345 customers (Approx). Each branch provides effective & efficient services and significantly contributes to the growth of individuals & the nation. The bank offers major services in various segments of accounts and deposits, loans, money transfers & other value-added services. Our mission is to be a leading client-focused, innovative & low-cost provider of financial services through the distribution channels of the clients’ preference in the market where we can create value.
At Sindhu Bikash Bank, what motivates us is the passion to excel in banking by maintaining the highest standards of services to our customers backed by innovative products & services which will make us one of the most successful public sector development banks in the country provides services to wide range of customers from individual to corporate clients. Read More
Fixed Deposit
Standard Chartered Bank Nepal Limited
Bankrate Nepal Review
4
Interest Rate(P.A)As of January 10
4.60%3.15%2.90%2.75%
Minimum Balance
Rs. 0Rs. 0Rs. 0Rs. 0
Tenure
5.08 years3 years1 year3 months
About Standard Chartered Bank
Standard Chartered Bank Nepal Limited has been in operation in Nepal since 1987 when it was initially registered as a joint-venture operation. Today, the Bank is an integral part of Standard Chartered Group having an ownership of 70.21% in the company with 29.79% shares owned by the Nepalese public. The Bank enjoys the status of the only international bank currently operating in Nepal. It is also the only Bank in Nepal accredited with ICRANP-IR AAA rating by ICRA Nepal as the safest bank regarding timely servicing of financial obligations.
Globally, we are a leading international banking group with a 160-year history in some of the world’s most dynamic markets. Our heritage and values are expressed in our brand promise, Here for good. Our operations reflect our Purpose, which is to drive commerce and prosperity through our unique diversity. With 85,000 employees, we are present in 59 markets and are listed on the London and Hong Kong Stock Exchanges. There are 124 nationalities, and 100 ethnicities present in our workforce and 174 languages / dialects spoken by our colleagues across the Bank.Read More
Fixed Deposit
Benefits
fixed deposit auto renewed and/ or uplifted
access to your account through Online Banking and SC Mobile App
and guaranteed interest on your savings
Features
Do all your banking transactions online form home, office, or on the move. Simply log in!.
Fixed deposits (FDs) continue to be one of the most popular and safe investment options in Nepal. Most fixed deposit interest rates vary across financial institutions and depend mainly on the deposit tenure, depositor type (individual, remitter, senior citizen), and the specific bank’s policy.
According to recent comparative summaries, fixed deposit interest rates in Nepal typically range from the lower single digits in short-term tenures to higher mid-single digits for longer terms (higher FD interest rates), with some finance companies offering competitive rates to attract depositors. Fixed Deposit (FD) interest rates in Nepal vary widely across banks and financial institutions, depending on:
Tenure of the fixed deposit
Type of depositor (individual/institution/remittance)
Bank policies and monetary conditions
According to multiple recent rate sources, typical FD returns currently range from ~2.8% to 5%+ per annum for individual Nepali investors, with some institutions offering higher on longer terms or special schemes.
Why are fixed deposits more applicable?
Fixed Returns: FD returns are guaranteed, and there would be predictable growth.
Regulated and safe -All the financial institutions operate under the watchful eye of Nepal Rastra Bank
Flexible Tenures – Range of between 3 months to several years.
Extra Rates Special schemes. There are special schemes in which the senior citizens and remittance accounts receive extra interest.
Frequently Asked Questions
The average fixed deposit interest rates in Nepal in 2026 generally range from about 3% to 5.5%+ per annum, depending on bank and tenure, with longer tenures offering higher returns. Many institutions fall within this mid-single-digit range for normal FDs, aligning with overall market trends
At present, some development and finance institutions list higher FD returns, and commercial bank comparisons show rates up to around ~5.5% p.a. for long-term deposits, though this varies by bank and tenure
Most banks and finance companies allow FDs starting from 3 months, with options available up to 5 years or more, and longer tenures generally pay higher interest rates.
Yes, many banks provide higher FD interest rates for remittance-based deposits, often around 1 % above standard rates, making remittance FDs more attractive for NRNs.
Yes, you can, but premature withdrawals usually result in reduced interest rates or penalties. It’s recommended to align your FD tenure with your savings goals to avoid loss of interest.
Yes, Some of the banks and financial institutions in Nepal offer senior citizen FD rates that are slightly higher fd rates than regular rates. This makes fixed deposits a popular safe investment option in Nepal for retirees.
